List what you build and run
Tell us about each product or service: software you develop, systems you host, hardware you install, advice you give. Your Spot team asks how each one earns revenue.
Orbit SoftwareOrganized by Spot
Tech E&O Insurance Quotes
Get tech E&O insurance quotes with Spot
Your Spot team describes the software, hosting and technology services you sell, so brokers can quote what you really deliver.
Get quotes from 30+ tech E&O insurance providers
- Software, hosting and installation work each described
- Customer contract and liability-cap questions answered up front
- Keep your broker or switch, with no commissions on premiums
How it works
We add your contracts and practices
Spot gathers sample customer contracts, your quality-control and security practices and your use of subcontractors into one submission.
Technology errors and omissions (E&O) insurance
Orbit Software · Policy review
- Policy wording
- Coverage limits
- Compare with
- Contract requirements
Confirm with your broker
Limits, exclusions, and endorsements
Brokers take it to market
We work with brokers to send the submission to insurers that write technology businesses, and follow up on their questions.
# spot-support
TaylorOrbit Software
What do we need to request technology errors and omissions (e&o) insurance quotes?
RileySpot
Let’s prepare the information for your broker and compare the terms, not just the price.
Check each quote covers your work
Compare the activities each proposal insures, its limits and its claims-made timing, so a policy that names software doesn’t quietly leave out your hosting.
Insurance documents
Quote requestTechnology errors and omissions (E&O) insurance
Professional services · Claims-made terms
Orbit Software
What you’ll need
- 01
Products and services
Software, hosting, consulting, integration, installation or hardware: each activity you sell, and how it generates revenue.
- 02
Customer contracts
Sample agreements, licenses and limitation-of-liability clauses, plus any insurance requirements they set.
- 03
Revenue by product line
Annual revenue split across what you sell, because insurers rate different activities differently.
- 04
Quality-control practices
How you test, review and release work, and how you handle customer acceptance.
- 05
Security practices
How you protect customer systems and data, which helps separate a failed deliverable from a security incident.
- 06
Subcontractors
Whether outside developers or contractors do part of the work, and who is responsible for it.
- 07
Prior incidents and circumstances
Customer complaints, outages or disputes that could turn into claims.
- 08
Current policy
Your expiring terms and retroactive date, so a new quote can keep earlier work covered.
What affects your price
- 01
What your technology does
Software that runs a customer’s payments or operations carries more exposure than a tool they could easily replace.
- 02
Revenue and customer base
More revenue and larger customers usually mean larger claims, and a higher price.
- 03
Limits, retention and defense costs
Higher limits cost more, and whether defense costs reduce the limit changes what you actually have.
- 04
Contract terms
The liability promises in your customer contracts shape the exposure an insurer takes on.
- 05
Claims-made timing
The retroactive date and reporting terms affect how much earlier work the policy reaches.
- 06
Incidents and quality controls
Prior problems, and how you test and review your work, are part of how underwriters judge you.
Providers your broker can approach
Get quotes from 30+ tech E&O insurance providers.
- AIG
- Alliance Risk
- Amelia Risk
- At-Bay
- Beazley
- Berkshire Hathaway Specialty Insurance
- CFC
- And many more
Common questions
Is tech E&O the same as cyber insurance?
No. Tech E&O concerns mistakes in your products or services. Cyber addresses incidents like a data breach or network failure. A package may include both, and we check which.
Does tech E&O cover every breach of contract?
No. How a quote treats a missed promise depends on its terms, so we bring your contracts and liability caps into the conversation early.
Does earlier work count if I change insurers?
It can, depending on the retroactive date and reporting terms. We compare them with your current policy and ask about an extended reporting period.
Will Spot replace my insurance broker?
No. Spot works alongside brokers and takes no commissions on premiums. Your broker can use our write-up of your products and contracts, or you can pick a different one.
Related
Get insurance off your to-do list.
Your Spot team describes the software, hosting and technology services you sell, so brokers can quote what you really deliver.
Get StartedLearn more before you get quotes
Read these before you choose a policy or an insurer.
